Sei kusarudza kubhengi nani kutora chikwereti

Munyori ino chinoshanda imwe huru mabhanga European, izvo zvakapararira muRussia. Vanoziva chaizvo mabasa zvemari, zvikurukuru zvikwereti uye makadhi. Zvisinei, munyaya ino, ndipo okushambadza makambani yakananga, uchawana mazano anobatsira kuti akubatsire kuona umo mubhengi Zviri nani kutora chikwereti.

Chii chikwereti? haafaniri dzinoshanda maduramazwi uye emirayiridzo nokuda vashandi ose pamahombekombe kuti tsananguro yakajeka. Tinoona chete kuti chikwereti - basa zvemari yawakashandira kubhadhara. Iwe kubhadhara vaigerwa, nokuti kunoita kuti munhu kugerwa. Kubhadhara sangano kuvhakacha yaida mvumo uye vhiza kugadzira. Uye iwe kubhadhara kubhangi kuti chokwadi kuti uri kupa mari ikozvino. Chokwadi, unogona kuponesa mari pachako. Unogona kumirira mwedzi mitanhatu, gore kana vaviri makore. Zvisinei, izvi hazvina nguva dzose dzinoruramiswa: zviri dzimwe nguva nani overpay, asi kuwana aida chinhu mune ramangwana. Somuenzaniso, mune wakaputsika TV. Unogona kuponesa mumwedzi mitanhatu kuti TV itsva, asi zviri nani kuti atore mubhengi chikwereti uye vanopedza okupedzisira mwedzi mitanhatu anodiwa nyaradzo. Uye zvimwe zvinhu muupenyu - mushonga, dzidzo, zviitiko zvakakosha hwako - nderokukurumidzira. Zvino unofanira kuteerera zvemari mabasa pamusika uye kusarudza kubhengi nani kutora chikwereti.

Free chizi chete ari mousetrap. bhangi Mumwe anofanira kuwana chikwereti mari. Bvumiranai, hapana bhengi haana kurarama kana asina kugamuchira nouchapupu mhindu kubva makasitoma avo. Zvisinei, kwete emakambani zvose zvakadaro vanoshanda zvikuru pachena. Mune zvimwe zviitiko, ungasangana nezvipingamupinyi mari.

Unoziva sei izvo kubhengi nani kutora chikwereti?

Chekutanga, ndapota chete guru mabhanga pose pamwe hwakasimba mutengi nechimwe. On rinozivikanwa Internet nezvikumbaridzo unogona kuwana Kunyatsoziva kureva kuti mabhanga, kuziva kuti vatengi vazhinji, akwegura sei vari kushanda pamusika. Rakavimbika makurusa zvikoro zviri Serviced vatengi mamiriyoni 20. Kana boka akaonekwa pamusika pfupi yapfuura - iwe kumhanya refu ngozi, zviri yakashongedzwa mune chikwereti. Zvisinei, kusiyana maviri mabhanga makuru ane mutengi chawo vatengi mamiriyoni 20 uye 30 kusvika ipapo, achitarisa magetsi rates, pane kubhengi pachayo. Tariffs, vari dzichichinja mu masangano akadaro, saka kambani anopa risingamboshandisi bheji kare gore, kungava kudhura chaizvo, vakapiwa ezvinhu kwegore ano.

Chechipiri, tsvaka kana kubhangi anotora muripo weUS basa mhiri yechimbadzo chikwereti. Nhasi, ichi ndicho zvisinganyanyi kuitika, asi zvinokosha kuti ajekese pfungwa iyi. Vamwe mabhanga vanobviswa kubva vatengi vavo mari kuti kadhi iri rakange dzakanyorwa chikwereti. Sezvo iwe kungada mamwe mari inishuwarenzi basa SMS-chenjedzo uye zvakawanda. Kubvisa pachako Hwakazara, bvunza nyanzvi, kuronga chikwereti, chii chaiwo mari iwe kubhadhara, kufungisisa zvose okuwedzera mari. anozivikanwa bhangi mushandi havazokwanisi kuvanza chokwadi kubva kwamuri.

Chechitatu, dzidza kana mwero dzako mukana mangwanani nokuripira. Sokubhadhara chikwereti chacho mangwanani, iwe uchava kuderedza ari overpayment, achiponesa mamwe ndivo. Edzai kubhadhara chikwereti mberi purogiramu - muzvikamu kana zvachose. Uyu kunobatsira chaizvo kushanda kwamuri. Zvisinei, usati kutamira kuchikwama chenyu mari yakawanda, dana bhengi yenyu. Zvichida, mungadai kutanga kunyora fomu rokutendeutsa muzana.

Chechina, usati kuwana bhanga chikwereti, kumbira kuverenga overpayment wako. Annual chimbadzo hazviratidzi overpayment. The overpayment chaiwo rinowanikwa pedyo yakaoma muzana. Mwero 70% chete annum kunogumawo imwe overpayment pamusoro 20-50%, zvichienderana uwandu uye izwi iri chikwereti. Kupinda bhizimisi zvemari, kwete kukurumidza nemashoko okuti "Ndinoda kuti bhanga chikwereti," bvunza zvakawanda pamusoro ano rates, mashoko rendi uye zvaidiwa magwaro. mabhanga Most anogona kuwana zvikwereti nhumbi huru mbiri, asi ane kunonyanyisa chimbadzo. Pakusarudza iyo bhangi nani kutora chikwereti, iva nechokwadi kuti kutora chimiro gwaro 2NDFL uye vanopupurirwa kopi mabasa chinyorwa - kuchakubatsira kutema mari. Chenjera uye sarudza bhanga nemaune, ipapo iwe uchagona vazvidzivirire kubva ose dambudziko.